docs: def get_active_terms_not_agreed_to(user):
          """Checks to see if a specified user has agreed to all the latest terms and conditions"""
  
          if TERMS_EXCLUDE_USERS_WITH_PERM is not None:
              if user.has_perm(TERMS_EXCLUDE_USERS_WITH_PERM) and not user.is_superuser:
                  # Django's has_perm() returns True if is_superuser, we don't want that
                  return []
  
          not_agreed_terms = cache.get('tandc.not_agreed_terms_' + user.get_username())
          if not_agreed_terms is None:
              try:
                  LOGGER.debug("Not Agreed Terms")
                  not_agreed_terms = TermsAndConditions.get_active_terms_list().exclude(
                      userterms__in=UserTermsAndConditions.objects.filter(user=user)
                  ).order_by('slug')
  
                  cache.set('tandc.not_agreed_terms_' + user.get_username(), not_agreed_terms, TERMS_CACHE_SECONDS)
              except (TypeError, UserTermsAndConditions.DoesNotExist):
                  return []
  
          return not_agreed_terms